Advanced Financial Federal Credit Union - Serving Union and Essex County NJ

Banking, Only Better

FEDERALLY INSURED CREDIT UNION SERVING THOSE WHO LIVE,
WORK OR WORSHIP IN UNION OR ESSEX COUNTY, NJ

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 CURRENT RATES

Advanced Financial offers our members low rates because we are not serving our stockholders, we are serving you, our members.

Savings Rates

Current Rates on Savings, Holiday and Vacation accounts

CURRENT RATES
0.20% ; 0.20 % APY*;
*Fees could affect earnings
Savings
0.20% ; 0.20 % APY*;
*Fees could affect earnings
Holiday
0.20% ; 0.20 % APY*;
*Fees could affect earnings
Vacation
0.20% ; 0.20 % APY*;
*Fees could affect earnings
Kids Savings

Loan Rates

Current Rates on Auto, Motorcycle, Signature Loans

CURRENT RATES
As low as 5.75% APR
New Vehicle/Motorcycle
Terms: Up to 72 months.
As low as 6.75% APR
Used Vehicle/Motorcycle
Terms: Up to 72 months.
As low as 9.90% APR
Signature Line of Credit
Open end unsecured line of credit with limits to $10,000
As low as 9.90% APR
Signature Loan
Fixed Term and rate, loan amounts to $15,000
Mortgage
Through our partner Owners Choice Mortgage

Home Equity

Current Home Equity Loan Rates. Tap the equity in your home. CLTV= combined LTV of 1st mortgage & home equity loan.

CURRENT RATES
As low as 6.25% APR.
5 yr Fixed - 75% CLTV
As low as 6.85% APR
7 yr Fixed - 75% CLTV
As low as 7.45% APR
10 yr Fixed - 75% CLTV
As low as 8.05% APR
15 yr Fixed - 75% CLTV
APR as low as Prime + 0.50%
(floor rate is 4.75% APR)
Prime as of 11-22-23 is 8.50%
15 Yr Adjustable - 75% CLTV
All rates quoted as Annual Percentage Rate (APR) All rates are subject to change at any time.

Secured Loan Rates

Current Rates on Secured Loans

CURRENT RATES
As Low as 4.90% APR
Share Secured Loan
As Low as 7.45% APR
Certificate Secured Loan

Credit Card Rates

Current Rates on Credit Cards

CURRENT RATES
9.90% APR
VISA Platinum Rewards
13.90% APR
VISA Classic

Money Market

Money Market Accounts

CURRENT RATES
1.10% ; 1.11 % APY*;
$2,000 - $19,999
1.30% ; 1.31 % APY*;
$20,000 - $49,999
1.70% ; 1.71 % APY*;
$50,000 - $99,999
1.90% ; 1.92 % APY*;
$100,000 - $249,999
2.20% ; 2.22 % APY*;
$250,000 - $499,999
2.50% ; 2.53 % APY*;
$500,000 and over

Share Certificates

Current Rates on Share Certificates. $500 Minimum opening balance; $500 Minimum balance to earn dividends. Rates and yields are subject to change. Please refer to the certificate account disclosure for early withdrawal penalties.

CURRENT RATES
4.45% ; 4.54 % APY*;
SC 6 Months
4.85% ; 4.96 % APY*;
SC 9 Months
5.10% ; 5.22 % APY*;
SC 12 Months
3.50% ; 3.56 % APY*;
SC 18 months
3.75% ; 3.82 % APY*;
SC 24 Months
3.65% ; 3.71 % APY*;
SC 36 Months
3.25% ; 3.30 % APY*;
SC 48 Months
3.25% ; 3.30 % APY*;
SC 60 Months

IRA Accounts

Current Rates on Individual Retirement Certificate Accounts

CURRENT RATES
2.20% ; 2.22 % APY*;
IRA Traditional CT 6 months
4.65% ; 4.75 % APY*;
IRA Roth / Traditional CT 12 months
3.50% ; 3.56 % APY*;
IRA Traditional CT 18 months
3.75% ; 3.82 % APY*;
IRA Roth / Traditional CT 24 months
3.75% ; 3.82 % APY*;
IRA Roth / Traditional CT 36 months
3.75% ; 3.82 % APY*;
IRA Roth / Traditional CT 48 months
3.75% ; 3.82 % APY*;
IRA Roth / Traditional CT 60 months

IRA Share Savings Accounts

Current Rates on IRA Share Savings Accounts

CURRENT RATES
0.20% ; 0.20 % APY*;
IRA Roth/Traditional Savings
0.20% ; 0.20 % APY*;
Education ESA Savings
Current Rates Advanced Financial Federal Credit Union can help you manage your money with all of the products and features of the mega-banks with the personal attention and lower rates that only a credit union can offer.
Rates as of: 1/8/2024. Rates are subject to change without notice. *APY = Annual Percentage Yield. APR = Annual Percentage Rate.
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© 2024 Advanced Financial Federal Credit Union
800-237-5626
afsinfo@advfinfcu.com

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Our routing number for direct Deposits: 221276817
Federally insured by NCUA
We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act